No rental income for summer 2020 & want to sell? Following the UK confirming that those returning from overseas travel will have to Self-isolate for 14 days the Spanish Government has followed suit imposing the same restrictions. This year’s Summer Holiday season is cancelled. If you.. 19/05/2020

Covid 19 Spanish property opportunity or threat? We are in unprecedented times with Covid 19 creating havoc across the world and especially in Europe. It is a Health and Economic Emergency with thousands tragically losing their lives and millions losing their livelihoods. Undoubtedly property markets..

Make savings when moving money to your Spanish bank accountAn essential part of many expats’ lives is moving your savings, wages, or pension from your country of origin to your Spanish bank account. If you use your bank to manage your currency transfers you could be losing out due to transfer fees.. 01/05/2020

EU Property Solutions refuse to take no for an answer! Help is at hand for those who bought into the Spanish dream and are now living a nightmare Over a decade after the end of the credit-fuelled building spree in the Costa Cálida and the other Costas in Spain, one of the consequences of that.. 24/03/2020

How to make a Will in SpainIf you have assets in Spain it is essential to make a Will In our own household the impending departure of the UK from the EU has prompted a full revision of all documentation relating to our own residence in Spain, and a general process to "tidy.. 25/02/2020

EU Property Solutions address foreign mortgage nightmares Can they chase me in the UK? Are my UK assets under threat? They could be if you don’t act to solve the problem… Over the last few weeks the staff at EU Property Solutions have noticed a significant increase in the number of enquiries.. 20/02/2020

Why some Spanish bank accounts are being blockedAccounts are not being blocked because of anything to do with Brexit; account holders must re-affirm their identity every 2 years regardless of nationality Recently some readers have been expressing concerns over their Spanish bank accounts being.. 04/02/2020

Abandon the lottery mentality to your retirement fundSpeak to your Blacktower FM financial advisor and develop a regular savings plan and retirement strategy Nearly everyone dreams of winning the lottery and sailing into their sunset years of retirement aboard a superyacht of financial freedom and security.. 16/05/2019

Are you considering transferring your pension to Spain A pension transfer is not for everyone and there will be many factors to weigh up before making the decision to transfer from an existing scheme into a QROPS, SIPPs or other structure. However, a great deal of doubt remains about the long-term viability.. 15/02/2019

Spain Axes Expat Mortgage Tax by BlacktowerSpanish property ownership is a fairly common part of many expat wealth management strategies. However, Spanish taxes have been known to present obstacles to some expats in this regard and the uptake of both home ownership and property investment in.. 18/01/2019

Targeting Dividends for income. Blacktower Financial Management The FTSE 100 is an index that includes the top 100 companies from the London Stock Exchange. They are ranked by their size (Market Capitalization). However, market cap may not be an investor’s only measure of a stock. Many of the stocks in this index..

Is Bitcoin an Investment? Blacktower Financial Management Investing in Bitcoin Most people have heard of Bitcoin but do not know what Bitcoin actually is. Bitcoin is one of thousands of Crypto Currencies (Crypto’s) that are now on the market - Bitcoin was the first and has only been around since .. 28/02/2018

Could Brexit be Guy Fawkes in disguise? Brexit article – by Keith Littlewood, Blacktower Regional Manager Costa Calida On 3rd of November The High Court ruled that Theresa May’s plan to not consult Parliament before starting the UK’s exit from the EU and then triggering Article..

Beware fraudsters. 8 things your bank will never ask you to do Fraud is on the increase, particularly on the internet so be aware of potential scams Fraud hurts and there’s nothing worse than being ripped off by an unscrupulous conman. Although the internet is one of the most useful tools for rapid communication.. 26/10/2014

Be confident when buying or selling a property in Spain Simple ways to avoid problems by using professionals when buying Spanish property. Everyone wants to keep their costs down when buying or selling a property in Spain. It’s understandable that prospective Spanish property owners want to ensure that..

Holiday rentals: a target for the Spanish Inland RevenueAny expats living in Spain must also declare pensions as income even if they are below tax paying thresholds Tax inspections are targeting 27.696 Expat pensioners and former non-residents who have not declared income Buying a property for your own.. 08/07/2014

The cost of buying a house in Spain What are all the costs involved when purchasing a Spanish property If you’ve been wondering about buying a house in Spain, now is the time. There is plenty of property out there and it’s on the market at a very good price. Lots of foreigners.. 08/07/2014

What currencies do Foreign Exchange brokers deal with? A vast range of currencies can be traded by residents in Spain When trying to decide how to handle a foreign currency exchange requirement, many people assume that using a bank will be the easiest and most convenient option. But specialist foreign..

Spanish law, driving with children in Spain Seatbelt law, child restraints,whilst driving in Spain When booking a rental car it is vital to make sure appropriate restraints are reserved During peak holiday periods many visitors to Spain hire vehicles for family use, but are unaware of the.. 14/07/2013

Home Insurance and Car Insurance with Nash Warren Bolnuevo Property and Car Insurance South West Murcia, Mazarrón and Bolnuevo Nash Warren are long-established, independent insurance brokers, based in the South-west Murcia town of Bolnuevo, close to the Mazarrón Country Club and within easy driving..

Importance of the Certificate of Habitation Certificate of Habitation Licencia de Primera Ocupación. Every new property in Spain must be issued with a first occupancy certificate or Licencia de Primera Ocupación. This certificate demonstrates that the property developer has fulfilled..

Europe Direct Information Centres in Spain These European Commission Centres exist to help EU citizens find practical information and advice on exercising their rights in the European Union Today, Viviane Reding, Vice-President of the European Commission presented the next phase of development.. 18/03/2013

Beware bogus emails from the Tax office The Hacienda will never contact residents in this fashion. Bin them Beware the bogus websites Occasionally, someone will contact us concerned about an email they have received directly from the Spanish Tax Authority (Agencia Tributaria). Or so it.. 13/03/2013

Spanish gas scams: the facts Gas inspectors, is this a scam? A local reader asked us to verify if the company who charged her elderly mother 140 euros for changing the gas fittings on her cooker and boiler was legitimate or if she had been ripped off by unscrupulous.. 12/12/2012

Have you got visitors coming over from the UK this year? Nearly half of the Brits travelling to Spain don´t realise they will have to pay for medical costs if they don´t have travel insurance. If we based our figures on the quantity of people who came here last year, 6.5 million people could.. 18/07/2012

New Residency requirements for EU citizens living in Spain Important, Changes to Spanish Residency laws affect Spanish health cover arrangements. There has been a great deal of coverage given to the whole issue of medical care in Spain during the last few months, one of the biggest issues being the Spanish.. 17/07/2012

Registering on the PadrónRegion of Murcia, Registering on the Padrón What is the padrón? Empadronamiento (or Padrón) - a list of all the people who live in a certain town Empadronarse - the act of registering yourself on this list with your local town..

Health Provision and Insurance in Spain Healthcare in Murcia The question of whether we are entitled to receive healthcare in Spain is a complicated one, as it very much depends on the age and residency status of an individual. This attempts to clarify the system and help you..